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How do banks / financial institutions verify who you are - and how to improve chances
I've mentioned this before on here, and I guess this could go in either the credit card, savings or bank account sections. But essentially my partner and I have applied for several things online over the last 2 or 3 months where his application sails through fine, but I am subject to all manner of checks, despite both of…
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smile online no connection
Is anyone else unable to connect to smile? We have tried with different computers. Is anyone aware of what the problem might be?
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Halifax On-Line website problem
Just a heads up, in case anyone else is having problems getting on to the Halifax On-lIne Banking system. They are having some problems and you may, like me, get a timed out message. They say they are aware and are working in it. (Hope it doesn't take as long to fix as the Credit Card account balance problem which is now…
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Switching from RBS to First Direct?
I've been with RBS all my adult life, but don't think much of Santandur so am now considering where to move to. The easy option would be NatWest, but I'm also considering FD - I fancy the incentive for switching, everybody seems to rave about their customer service, and the 8% regular saver would be useful. However, I'm…
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First Direct overrated
Hi, I thought I'd post here as there seems to be so much love for First Direct but my experience with them has left me wishing I hadn't bothered. I have just remortgaged with FD and all is now complete. The latest error from them is getting the mortgage payment account details wrong - something which I know they will sort…
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Sending money overseas....
Hi...I'm not sure if this is in the right place... We need to send some inheritance to people that live overseas. There are 10 legacies to settle, although I think they would take it as one (if thats cheaper) and divide it themselves (each person has different amounts). We want to send the money in £ (is in will as £, not…
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debenture - bank account frozen
Hi there, I had an arrangement with a finance company for my business and unbeknown to me included a debenture. This 3rd party has frozen my bank account with notice and without good reason. I have spoken to my bank who seem unable to help and say I should contact the 3rd party. I never signed any debenture and dont know…
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Having More Than One Bank Account And Credit Rating??
I currently have more than 1 bank account as it shows on my noddle credit report.. What i want to know, is it having a good effect or bad effect on my credit rating by having accounts open, with a 0 bank balance??
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Bank account for 'hobby'/business
HI all, I'm just looking into starting a hobby / business, and am having trouble working out exactly what type of bank account would be best for it. I want a seperate account, and I want it in the business name. The problem is, what I'm setting up isn't really a business yet, just a hobby that might - MIGHT - make a few…
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reducing debt on a bank account
Hiya My ex racked up 2k in debt on a bank account i didn't know still existed in my name (long story short, they didn't remove my name but deny all knowledge of us going in to remove it). I need to settle the debt somehow if he doesn't as I was to move home in a year or two and will be looking for a new lender. As most of…
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Who has the power to merge these Halifax & First Direct reward threads?
Sorry, i don't know the most appropriate forum to ask this question. Right now we seem to be getting overrun with the same question over & over ..... in different threads. There'll be a thread at the top of the forum asking about the Halifax £100 & then someone will post another asking the exact same thing. We're ending up…
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Upgrade Halifax Current to Rewards Current
Hello all Has anyone updated their Halifax Current account to a Rewards Current account (not ultimate rewards)?? Did you have any problems? Did they issue new cards? Was there any delays? Or did they just change the name and leave everything as was? (except for the £5 a month) Any advice would be helpful Thanks....
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First Direct Reward - what to do to get bonus....?
Hi there, having opened a First Direct 1st account online and sent off the account transfer form to switch my 2 standing orders, and deposited just £1.00 at the moment to keep it open, how do I go about meeting the conditions to get the reward? Simply deposit £1,500 once the account transfer has taken place? Then for how…
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Receiving Euros into UK bank account - Lowest forex rate
Hi, I am owed some money and am expecting it to be paid by Euros into my £ bank account. Which bank account would it be best to receive this money so I pay the least in foreign exchange fees. Thanks
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HSBC Advance / fee incurring accounts
My credit rating is not the best, so I haven't yet been able to obtain a full current account. In my case, the benefits of the HSBC Advance account are worth paying for (well almost worth it!). Therefore I don't mind paying the sale price of £9.95 for 12m. However, I applied for a HSBC current account (the free one) about…
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How do I get a € Euro bank account?
Apologies if this isn't in the right place to the mods - I couldn't find an obvious natural home for it). Right I am self employed. I get paid (currently) by 3 different British companies. All the money is in sterling. It comes into my UK HSBC account. I have been asked whether or not I want to work for a Dutch company.…
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Budgeting with pots spreadsheet
I've done a search but couldn't find anything similar but apologies if it already exists. (Link removed by Forum Team) I've been reading a lot about budgeting using the envelope system or the pots system, whereby you put away an amount each month to save up for annual spends. This can be used for paying car insurance, road…
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First Direct Queries
Apologies if these have been asked before I did a few searches but couldn't see anything so ill ask anyway. I'm thinking of setting up a bank account with 1st direct for the incentive * it says pay in 1500 per month does this has to be in one go or can I pay like 1400 then 100 does this have to go in every month or just…
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Halifax have done away with overdrafts "We don't do that anymore"
I have a full current account at Halifax. Had it for several years. I've had an overdraft limit of one level or another for about 4 years. Each time I've changed my overdraft limit I've then received a letter confirming my new limit and that it will expire in a year's time. In July 2011 I raised my overdraft limit again. I…
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Real-time basic bank account
Hi My OH currently has a basic bank account with RBS but would like to switch to another basic bank account with another bank as Santander does not appeal to her :rotfl:. However, her requirements are * Must show debit card transactions in real-time, like RBS does * Must NOT require use of card reader to use online banking…
